Loan Application Documents Thank You for Choosing Us for Your Home Financing. Please Call Us at 502.223-1638 Or 1-888-818-3372

Loan Application Documents

Thank you for choosing us for your home financing. Please call us at 502.223-1638 or 1-888-818-3372 if you have questions. Either drop off or mail completed forms to us at PO Box 535, Frankfort, KY 40602 or fax to us at 502.223-7136.

TO PROTECT YOUR PERSONAL FINANCIAL INFORMATION, PLEASE DO NOT EMAIL YOUR COMPLETED APPLICATION OR OTHER FORMS WITH SENSITIVE INFORMATION.

The following documents are included in this packet. Note that the items with a  must be returned : -  UNIFORM RESIDENTIAL LOAN APPLICATION (9 pages). If applying for joint credit with someone with whom you share financial information (such as a spouse), the other borrower must complete the UNIFORM RESIDENTIAL LOAN APPLICATION-ADDITIONAL BORROWER (4 pages). If the other borrower does not share your financial information, he or she should complete another 9-page UNIFORM RESIDENTIAL LOAN APPLICATION. This longer form was introduced on March 1, 2021 and is much different from applications you may have completed before. Your loan officer would be glad to help with completion, or you can find instructions at https://singlefamily.fanniemae.com/delivering/uniform- mortgage-data-program/uniform-residential-loan-application -  BORROWER’S SIGNATURE AUTHORIZATION FORM-EVIDENCE OF AUTHORIZATION -  DELIVERY OF ELECTRONIC INFORMATION AND NOTICE OF AVAILABILITY OF PAPER RECORDS. If you would like to communicate with us by sending and receiving non-sensitive customer information by email, please make sure you have provided us with a valid email address and sign and submit this form. -  3/1 EARLY ARM DISCLOSURE STATEMENT. We provide this disclosure because it is the most popular adjustable-rate product. It does not apply if you choose a fixed-rate product and if you choose a different adjustable-rate product, we will provide a different form. -  APPRAISAL NOTICE -  INFORMATION ABOUT THE PRIVACY OF YOUR FINANCIAL INFORMATION. - MORTGAGE LOAN ORIGNATIORS REGISTERED WITH OUR BANK. - AUTHORIZATION FOR MORTGAGE PAYOFF. If you are purchasing a home, please provide this form to the seller or realtor. If you are refinancing a loan presently with another lender, please complete, sign, and return this form to us. - PRIVATE MORTGAGE INSURANCE COMPANIES. Please sign and return if your loan officer indicates you will need private mortgage insurance - SHOPPING FOR A MORTGAGE? This contains useful information about adjustable rates, down payment, escrow accounts, etc.

The following important information is not included in this packet, but is available from several sources. - CONSUMER HANDBOOK ON ADJUSTABLE-RATE MORTGAGES (ARM). This booklet is not included in email forms. If you are applying for an adjustable rate loan, please pick up a copy from us, ask us to mail you one, or access online at https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf - YOUR HOME LOAN TOOLKIT: A STEP-BY-STEP GUIDE. This booklet is not included in email forms. Please pick up a copy from us, ask us to mail you one, or access at https://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf ;N!AD!BNLOKDSDC!AX!(-2,-5$ BS\RS`!B]O\!D]+,J\WdS`aOZ!B]O\!?RS\bWTWS` 6US\Qg!8OaS!D]+ ;!!

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$)**)+'*!%&('" 0965;=8!/4>6349?617!-;19!*<<7621?6;9!A!*336?6;917!+;==;@4= ,=43364!.12!,;=8!)(!D!,19964!.14!,;=8!&%%' '**)(,+-)!$"%#%$ BORROWER’S SIGNATURE AUTHORIZATION FORM EVIDENCE OF AUTHORIZATION

The undersigned hereby authorize First Federal/Central Kentucky Federal Savings Bank (the “Bank”) to verify my past and present employment, earnings records, bank accounts, stock holdings and any other asset balances that are needed to process my mortgage loan application.

I further authorize the Bank to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references.

If the loan requires Private Mortgage Insurance (PMI), the Bank may provide private mortgage insurance companies with personal financial information the applicant(s) has/have provided in connection with the loan application including income information, credit history information, and the applicant(s) reported financial condition. The private mortgage insurance companies with whom the Bank deals have agreed to keep this information private and to use the information for the sole purpose of deciding whether or not to issue private mortgage insurance on the loan requested.

If the loan requires an appraisal, the Bank may provide an independent appraiser (from the Bank’s approved panel of appraisers) with information regarding the contracted purchase of the property.

If the proposed loan requires property insurance, I authorize the property and casualty insurance company, and its agents, to furnish any related information or documentation necessary to this proposed transaction

It is understood that a photocopy of this authorization form will also serve as authorization. The original signed form is maintained in the office of the Bank.

The information the lender obtains is only to be used in the processing of my application for a mortgage loan.

______Applicant Date

______Co-Applicant Date

Rev. 10/17/16

Delivery of Electronic Information and Notice of Availability of Paper Records

Please note: We offer delivery of electronic documents by email as a convenience to our customers and to facilitate shorter waiting times for certain parts of a mortgage loan transaction. Most of us are used to sending and receiving emails with little thought, but there are federal regulations associated with making loans that require a particular method for acknowledging your assent to receive electronic documents.

You are in no way obliged to accept any documentation from us electronically. In all cases, we can make paper copies of documents available to you either in person or by mail at no cost to you. You may withdraw your consent to receiving electronic documents at any time either by mail, email, telephone, or in person.

Your consent to receiving electronic documents will continue until you withdraw your consent.

We will not use your email address for marketing purposes, nor will we sell or otherwise provide your email address to an outside party.

Warning: We don’t think email is safe for transmitting personal information such as your Social Security Number, date of birth, or bank account numbers. We will not send this information to you in an email and ask you not to include it in any electronic correspondence to us.

Hardware and Software Requirements: --you must have a computer, tablet, or other device on which you can send and receive email --you must be able to read PDF files. Most browsers have software for reading PDF files pre-installed. Also, Adobe provides software for reading PDF files free of charge.

Process: There are three steps to enacting electronic delivery of documents:

1) You must read and sign this disclosure. You may do so in person (at time of application) or it may be mailed or emailed to you, to which you must return a copy with an original signature either in person or by mail. 1) We will send to your email address an acknowledgement of this disclosure 2) You must reply to the email with your assent to continued receipt of electronic documents.

______Applicant’s Email Address Date

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opgxlixsy~yyt} ipfqpgvpmfriipvfiqxusysx rhhyfevgyxgxxs | lyhfmddjpdolonxsp ly|x}u APPRAISAL NOTICE

Principal Loan Date Maturity Loan No Call Coll Account Officer Initials

References in the boxes above are for our use only and do not limit the applicability of this document to any particular loan or item. Any item above containing has been omitted due to text length limitations.

Applicant: Lender: FIRST FEDERAL SAVINGS BANK OF KENTUCKY Branch 01 216 West Main Street P.O. Box 535 Frankfort, KY 40602

Document Date: February 24, 2021

We may order an appraisal to determine the property’s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even your loan does not close.

You can pay for an additional appraisal for your own use at your own cost.

By signing below, you acknowledge receipt of this Appraisal Notice.

APPLICANT:

X X Applicant Date Applicant Date

LaserPro, Ver. 20.4.10.019 Copr. Finastra USA Corporation 1997, 2021. All Rights Reserved. - C:\PROSUITE\CFI\LPL\B14APPR.FC Rev. 05/2013 WHAT DOES FIRST FEDERAL SAVINGS BANK AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK FACTS DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and account balances credit history and credit scores payment history and income When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons FIRST FEDERAL SAVINGS BANK AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal Does FIRST FEDERAL SAVINGS BANK Can you limit this sharing? information AND CEN share? For our everyday business purposes– such as to process your transactions, maintain Yes No your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes– Yes No to offer our products and services to you For joint marketing with other financial No We don't share companies For our affiliates' everyday business purposes– information about your transactions and No We don't share experiences For our affiliates' everyday business purposes– No We don't share information about your creditworthiness For our affiliates to market to you No We don't share For nonaffiliates to market to you No We don't share Questions? Call 502-223-1638 in Frankfort or visit First Federal Savings Bank, 216 West Main St., Frankfort. In Danville, call 859-236-4181 or visit Central Kentucky Federal, 340 West Main St., Danville. PAGE 2

Who we are

Who is providing this FIRST FEDERAL SAVINGS BANK OF KENTUCKY; and CENTRAL KENTUCKY FEDERAL notice? SAVINGS BANK (a Division of First Federal Savings Bank of Kentucky)

What we do

How does FIRST To protect your personal information from unauthorized access and use, we use security FEDERAL SAVINGS BANK measures that comply with federal law. These measures include computer safeguards and AND CEN protect my secured files and buildings. personal information?

How does FIRST We collect your personal information, for example, when you FEDERAL SAVINGS BANK open an account or deposit money AND CEN collect my pay your bills or apply for a loan personal use your credit or debit card information? We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all Federal law gives you the right to limit only sharing? sharing for affiliates' everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. FIRST FEDERAL SAVINGS BANK AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK does not share with our affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. FIRST FEDERAL SAVINGS BANK AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK does not share with nonaffiliates so they can market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. FIRST FEDERAL SAVINGS BANK AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK doesn't jointly market.

Other important information

LaserPro, Ver. 20.4.10.019 Copr. Finastra USA Corporation 1997, 2021. All Rights Reserved. - C:\PROSUITE\CFI\LPL\PRIVDIS2.FC Title V of the Housing Economic Recovery Act of 2008, the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of mortgage loan originators. Registration is required for MLOs who work for an insured depository institution.

The following website will provide you with information about all MLOs who are either licensed or registered, www.nmlsconsumeraccess.org

First Federal Savings Bank of Kentucky (ID # 449672)

Stacey Greenawalt – 463173 Bill Johnson – 786296

Lee Ann Hockensmith – 463174 Ronald Howard - 786362

Clay Hulette - 463175 Jim Baxter - 786365

Don Jennings - 463176 Adam Gray - 1091712

Yvonne Thornberry - 463177 Jenny Stump - 1268748

Lavenna F. Quire – 464524 Jennifer Whalen - 1268842

Julie DeWolfe – 419220 Stuart Haven - 1293880

Katina Mickens – 1492479 Authorization For Mortgage Payoff

Lender:

Lender's Address:

Lender's Phone:

Lender's Fax:

Notice: The lender as referenced above may be a servicer. Please list the entity to which you make your monthly payments.

Mortgagor's Name: (Owner-Borrower)

Property Address:

Mortgagor's Account Number: (Borrower)

Payoff Date: to be determined by First Federal

Dear Sir or Madam:

I hereby request release to First Federal Savings Bank of Kentucky or Central Kentucky Federal Savings Bank the pay-off of my mortgage loan listed above. Please provide the amount needed to pay the loan off ( and release the mortgage) on the date specified. Also, please include a per diem amount and any other pertinent information including payoff penalties, late charges, and other fees.

Please respond within five business days as required by KRS 286.8-220 (if applicable).

Please fax your response to: First Federal Savings Bank of Kentucky (502) 223-7136

Borrower Signature Date Borrower Signature

First Federal Savings Bank of Frankfort List of Required Providers

If your loan requires private mortgage insurance, the policy must be purchased from the following company.

1. MGIC 250 E Kilbourn Avenue PO Box 488 Milwaukee, WI 53201-0488 800-443-6431 First Federal has repeatedly used this provider

Applicant Date

At First Federal in Frankfort and Central Kentucky Federal in Danville & Lancaster, we specialize in promoting savings and making home mortgages. Over the years we have built a solid reputation for integrity and customer service. We offer various financial services, but concentrate on our specialty: originating and servicing residential mortgage loans.

If you are considering purchasing or refinancing a home, we can help. We work one-on-one with you to find the loan that best fits your needs. In addition to our good rates, we have a reputation for very low closing costs and finding a way to say “yes”.

Our customers deal with us directly, right here locally. We never ask you to send your payment somewhere else. We do not ask you to go through a call center for customer service. Our knowledgeable local staff will be available when you need us.

There are a number of ways to begin the application process. Generally, we find it helpful to have a face-to-face conversation so that we can gather information and determine the type of loan that works best for you. Loan Officers are available at 194 Versailles Rd. and 216 West Main St. in Frankfort, 340 West Main St. in Danville, and 208 Lexington St. in Lancaster. You can drop off a completed application at any of our locations, either during regular hours or in our night depositories. To protect the confidentiality of your personal information, please do not email your application or other private information to us.

Below are some questions we hear frequently, along with our answers:

Do I want a fixed rate or adjustable rate? There’s not an easy answer to this. Many borrowers assume a fixed rate loan is what they want, even though it can turn out to cost more than an adjustable rate loan, depending on their particular circumstances. You should know that our adjustable rate loans typically start out with lower interest rates than fixed rate loans and the closing costs are generally lower by a considerable amount.

Who controls how high my adjustable rate loan goes? We use an average home loan interest rate published by an agency of the federal government. Your loan would be limited to annual changes of no more than 1% and a lifetime increase of no more than 5%. Our loans also have an initial fixed period during which time there will be no rate adjustments.

How do I select my term (length of the loan)? We recommend you choose the longest term available at the best rate. In some cases, by choosing a shorter term you can get a lower rate (such as choosing between a 15-year and 30-year fixed rate mortgage). However, for other loans there is no rate savings between a short term and a 30-year term, so we suggest you take the longest term for which you qualify. If you want to pay it off quicker, just make a higher monthly payment. The excess always goes to principal and there is no penalty for paying extra. Our loan

216 West Main St. 194 Versailles Rd. 1220 US Highway 127 340 West Main St. 120 Skywatch Dr. 208 Lexington St. Frankfort, KY 40601 Frankfort, KY 40601 Frankfort, KY 40601 Danville, KY 40422 Danville, KY 40422 Lancaster, KY 40444 (502) 223-1638 (502) 695-3400 (502) 223-3472 (859) 236-4181 (859) 236-4277 (859) 792-3368 officers will gladly help you figure out how much to pay over various terms. This way, if something unexpected comes up during a month, you have the choice to pay the minimum. How much down payment do I need? We have programs that work with as little as 5% down plus closing costs and property insurance. The best rates are for loans with 20% or more equity, but loans with less equity can be very affordable as well.

What is Private Mortgage Insurance? For loans with less than 20% equity (or down payment), we generally ask the borrower to purchase insurance in case they default. The insurance is added to your monthly payment and can be taken off once you reach an 80% loan- to-value ratio. We also have a plan called an 80-10-10 loan (some call it a piggyback loan) where we’ll make you a first mortgage loan for 80% of the value of your home and another loan with a shorter term for up to 10% of the value. This will allow you to build equity faster. Although your combined monthly payment may be more than a regular loan with private mortgage insurance, more of your payment is being used to pay down principal. We may have other options available, please ask us.

What if I need to move? Don’t worry about your loan, there will be no prepayment penalty. We will also be glad to work with you on a bridge loan (if your new home is in our lending area) where we combine the equity in two homes so you can move into the new one while trying to sell the old one.

How can I find out what your rates are? We keep all of our mortgage loan rates updated on our website at www.ffsbky.bank.

What are servicing rights? Many lenders will make you a mortgage loan, sell the loan as an investment to someone, and then sell the servicing rights to another company. You will make your payments and address your questions to this company, wherever it is. The servicer obtains a fee from the investor who bought the loan, but they might also hope to earn a referral fee by selling you a credit card or insurance policy. We have never sold servicing rights and do not plan to. Your payments will be made to our bank and all questions will be answered by our local staff.

How do I make my payments? We will provide you with a passbook-type document that you can bring in or mail with your payment to any of our locations. That way, you can keep a record of each payment and the reduction in your principal. Or, we will be glad to set you up with an automatic draft from your account with us or from another financial institution.

I would like to help my child purchase a house. How can I do that? We’d be glad to talk to you about a variety of ways we can do this, ranging from seeing if they can qualify on their own, to allowing you to make a gift of a down payment, or to allowing you to co-sign. We also have a unique program where a parent can buy a house for a son or daughter (or a child can buy a house for a parent) and for which we charge the owner-occupied rate rather than the rental property rate (which is higher).

I’ve heard rental property is a good investment. Can First Federal/Central Kentucky Federal help me? Residential real estate can be a very good investment. It takes some basis of knowledge and some cash (or equity in other property) to get started, but we offer some great programs.

Rev. 10/17/16 Things you need for a Real Estate Purchase Loan:

In order to apply for a loan to purchase real estate, you will need to submit a completed loan application which consists of the following items:

 1) Completed loan application forms signed by all applicants;  2) A copy of the owner's deed to the property. This is not required at the time of application but this is where we will obtain a legal description of the property to be used for the appraisal and title examination;  3) A copy of the contract for purchase;  4) A completed Seller's Disclosure of Property Condition. This is not required for the purchase of a newly built home. If you are not working with a real estate agent, please ask us for a copy of the form;  5) If all of your income is derived from your employer, then we need copies of your W- 2 form for the last two years. If you are self-employed or have various sources of income, then we need signed copies of your 1040 tax form for the past two years. We may require additional information or verifications for sources of income not shown in these documents.  6) A copy of your pay stub(s) for the current or most recent 30 days.  7) We must document evidence of your down payment. Please provide us with a copy of your bank statement from the last two months for the account(s) in which your down payment is held, or ask us for a verification form to take to the bank where the down payment is held. If the down payment is held in more than one account, please provide copies of all applicable statements. This is not necessary if the funds have been held at First Federal for the last two months.  8) A check for the appraisal fee. We do not collect this fee until after you have been provided a Loan Estimate disclosure and have indicated that you would like to proceed with the loan application. This fee is part of the closing costs quoted to you. The appraisal fee is not refundable once the appraisal has been ordered.

Please allow 10-15 minutes when you return the completed application to us. This time will be used to review your application, discuss loan options, ask and answer questions, and to explain the loan process and timing. My member of our loan staff can help you. An appointment is not necessary, although it might save you a little waiting.

Thank you for choosing us for your home loan!

Rev 10/17/16

In order to apply for a loan to refinance an existing loan secured by real estate, you will need to submit a completed loan application which consists of the following items:

 1) Completed loan application forms signed by all applicants;  2) A copy of your deed to the property. This is not required at the time of application but this is where we will obtain a legal description of the property to be used for the appraisal and title examination; (not necessary if your first mortgage is currently with us.)  3) If all of your income is derived from your employer, then we need copies of your W-2 form for the last two years. If you are self-employed or have various sources of income, then we need signed copies of your Federal 1040 tax form for the past two years as well as the supporting schedules. We may require additional information or verifications for sources of income not shown in these documents.  4) A copy of your pay stub(s) for the current or most recent 30 days.  5) A check for the appraisal fee (not needed if we have recent appraisal on file). We do not collect this fee until after you have been provided a Loan Estimate disclosure and have indicated that you would like to proceed with the loan application. This fee is part of the closing costs quoted to you. The appraisal fee is not refundable once the appraisal has been ordered.

Please allow 10-15 minutes when you return the completed application to us. This time will be used to review your application, discuss loan options, ask and answer questions, and to explain the loan process and timing. Any member of our loan staff can help you. An appointment is not necessary, although it might save, you a little waiting.

Thank you for choosing us for your home loan!

Rev 10/17/16

Identification: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan.

What this means for you: When you apply, we will ask for your name, address, date of birth, Social Security Number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Depending on the type of loan you request, we will be obtaining additional information for other purposes.

Property Taxes: If you are purchasing a home, it is likely that your property tax assessment will increase to be equal to the purchase price in the year after the home is purchased. This could represent a dramatic increase in your tax bill. If you have an escrow account, we will attempt to analyze your account in December or January and increase your monthly payment accordingly.

Right of Recission: If you are applying for a loan in which we are taking your current residence as collateral, and you own all or part of your residence, you will be provided the Right of Recission. This is part of a federal regulation that allows you three business days from the time your note and mortgage are signed to consider your decision. We will disburse the funds after the third day. This applies any time you:  Refinance your loan with First Federal or Central Kentucky Federal (the Bank) and obtain more money  Refinance your loan that is currently financed with another lender  Obtain a home equity line of credit  Use the equity in your home to purchase another piece of property, even if the new property will become your principal residence This does not apply when you are purchasing a new home or rental property and not using your current home as collateral.

Please consider this issue when scheduling your closing, and ask us if you have questions.

Down Payment Funds (Purchases): You will be required to bring funds to the closing for down payment and closing costs. If your account is with First Federal/Central Kentucky Federal, a personal check is acceptable. Otherwise, you will need to discuss with your loan officer an acceptable method of payment.

216 West Main St. 194 Versailles Rd. 1220 US Highway 127 340 West Main St. 120 Skywatch Dr. 208 Lexington St. Frankfort, KY 40601 Frankfort, KY 40601 Frankfort, KY 40601 Danville, KY 40422 Danville, KY 40422 Lancaster, KY 40444 (502) 223-1638 (502) 695-3400 (502) 223-3472 (859) 236-4181 (859) 236-4277 (859) 792-3368 Homeowners Insurance: A week prior to closing, please ask your insurance company to fax us a binder. Please ask your loan officer for the fax number to use. Your insurance coverage must be equal to or greater than your loan amount. We need to know your annual premium amount, and “First Federal Savings Bank of Kentucky ISAOA” must be in the mortgagee clause. Please provide this information to your insurance company when you request them to fax the binder.

If we are setting up an escrow account to pay your insurance annually, you will normally be required to pay the first year premium to your insurance company in advance.

Flood Insurance: Federal regulations require that we make a determination for any improved property that serves as security for our loan as to whether or not the property is in a designated flood hazard area. We generally have three types of flood hazard areas:

Zone X: Properties in Zone X are not required to purchase flood insurance. Borrowers should note that their hazard insurance policy will not protect the building or contents from flood waters resulting from flash floods, ground water, burst pipes, or rising waters. We encourage borrowers to discuss the merits of flood insurance, as an adjunct to normal hazard insurance, with their insurance agent. If you do not receive notification that your property is in Zone A or Zone B, you may assume the property is in Zone X.

Zone B: Properties in Zone B have some chance of flooding. The Bank retains the option to require borrowers to obtain flood insurance for properties in these areas, but generally does not make this requirement. We strongly suggest borrowers who own these properties consider the option of flood insurance.

Zone A: Properties in Zone A must be covered by flood insurance. This insurance is available from most agents who sell hazard insurance. The Bank will set the minimum coverage level, which will generally be the lower of the loan amount, the insurable value of the property, or the federal coverage limit (currently $250,000 for residential properties and $500,000 for commercial properties). The Bank maintains the right to require coverage at a level greater than the loan amount if it is determined that the value of that coverage would otherwise be impaired.

If you have a property located in a special flood hazard area, like Zone A, then we require that you have an escrow account for flood insurance premiums.

Please note that flood maps change and that if your property is determined to be in Zone A after the loan is closed, we will provide written notification that requires you to purchase insurance within 45 days of that discovery.

If your flood insurance lapses, we will alert you of that responsibility and give you 45 days to reinstate the insurance. If insurance is not obtained in the appropriate amount, we will force-place the insurance and you will be required to reimburse us for the cost.

Rev 11/04/16 BORROWERS Who Are Refinancing SELLERS Who Are Not Using a Realtor and are selling to persons who are obtaining financing from First Federal/Central Kentucky Federal BUYERS are asked to provide this form to their sellers. Below, those who owe the mortgage to be paid off are called “mortgager”. Attention to the following points will make your closing go as smoothly as possible:

□ It is important to get pay-off information in process as soon as possible. If you are refinancing, please complete and return the “Authorization for Mortgage Payoff” form as soon as possible. Complete this form for each mortgage currently secured by the property. If you are purchasing property, please provide one or more copies to the sellers so that they can complete one for each outstanding mortgage. Have them return the forms to us for further processing.

□ Despite our best efforts, some lenders may cause a delay by not providing pay-off information in a timely manner. We may need to enlist the mortgager’s help in obtaining this information and at times we may be unable to close as scheduled due to such delays. Other (perhaps unforeseen) circumstances may include: - Some lenders charge fees for sending written pay-offs. - Some lenders hold escrow accounts for up to 30 days before sending a check to the mortgager. - Some lenders and some loan programs (including government programs) charge future interest when loans are not paid by a certain time of the month, resulting in extra charges to the mortgager. - Some loans have prepayment penalties.

□ We will generally send pay-off funds by wire transfer. The cost is usually $30.00. For purchases, the fee will be deducted from the mortgager’s proceeds. If you would like to make other arrangements for the delivery of the pay-off check, please let us know. If we (the Bank) can deliver pay-off checks to local lenders at their office, there will be no charge.

□ Sellers are expected to see that the new deed is prepared. This deed must be provided at least 24 hours prior to closing so that it may be reviewed by the title attorney. If the seller prefers, we can ask the title attorney to prepare the deed (at a cost, usually of $100 to be deducted from the seller’s proceeds).

□ Sellers are expected to pay deed tax in the amount of $1.00 per thousand dollars of the sales price (to be deducted from the seller’s proceeds).

□ The seller will be expected to pay to the buyer an estimate of property taxes due from January 1 through the date of closing (for all Kentucky counties, except for Fayette). The estimate will be based on the previous year’s tax rates until the current year’s tax rates become available. We will use the assessment provided by the PVA office within ten days of closing, discounted in anticipation of early payment. We (the Bank) will not be responsible if the actual tax bill turns out to be higher or lower.

Rev 9/23/16